how to open your bank account for free

Dear readers, as you all know that many schemes are implemented by the Central Government from time to time, which can be availed by the eligible citizens. The name of one of the many welfare schemes being run for the citizens of the country is Pradhan Mantri Jan Dhan Yojana You all must have heard about this scheme and maybe some people are not well acquainted with this scheme.

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Today we will guide you through this article What is Pradhan Mantri Jan Dhan Yojana , We will give information about this, as well as how you will be able to open your bank account under Pradhan Mantri Jan-Dhan Yojana, you will also be able to know through this article. How to open a bank account for free in PM Jan Dhan Yojana? For this, definitely read the article completely.

What is Pradhan Mantri Jan Dhan Yojana?

of central government Pradhan Mantri Jan Dhan Yojana Under this, citizens can open their bank accounts for free. As you all know that to open any bank account we need PAN card but under PM Jan Dhan Yojana you will be able to open your bank account without PAN card. Under Jan Dhan Yojana, you will be able to open your account sitting at home for free without any minimum balance.

Minimum deposit balance including accident insurance cover of Rs 2 lakh to account holders through Pradhan Mantri Jan Dhan Yojana minimum balance will not be required. Through this scheme, you are also given a good interest on the deposit amount. So let’s know about this plan in detail.

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Key Points of Pradhan Mantri Jan Dhan Yojana

article name	How To Open Your Free Bank Account In Pradhan Mantri Jan Dhan Yojana?
Pradhan Mantri Jan Dhan Yojana Slogan	“My account fortune maker”
scheme name	Pradhan Mantri Jan-Dhan Yojana
Scheme Category	Central government
benefits of the scheme	Facility to open bank account for the citizens of the country for free
purpose	Providing facility to open bank account free of cost to all citizens
beneficiary	all citizens of the country
year	2024
Pradhan Mantri Jan Dhan Yojana official website	pmjdy.gov.in
office address	Pradhan Mantri Jan Dhan Yojana Department of Financial Services Ministry of Finance Room No. 106, 2nd Floor, Jeevandeep Building, Parliament Street New Delhi-110001
national toll free number	1800-11-0001 , 1800-180-1111

Objective of PM Jan-Dhan Yojana

The objective of Pradhan Mantri Jan -Dhan yojana is to provide many types of economic services such as saving bank accounts, essential loans and facilities like pension and insurance coverage to the deprived sections, low income groups of the country. 6 pillars have been included under this scheme –

1. Universal availability of banking facilities
2. Providing bank accounts with overdraft and RuPay debit card facilities to all households.
3. The beneficiary has to run a financial literacy program for the benefit of banking services.
4. Creation of credit guarantee fund to cover any default in the overdraft account.
5. Providing micro insurance to the beneficiaries under the scheme.
6. To give benefits of pension scheme.

PM Jan Dhan Yojana benefits

PM Jan Dhan Yojana Under this, citizens will get the following benefits on opening their bank account –

• Under the scheme, the eligible citizens get interest on the deposits.
• Accident insurance cover of Rs 1 lakh is given under this scheme.
• No minimum balance is required in the account.
• Under the Pradhan Mantri Jan Dhan Yojana, life insurance of 30 thousand is given to the beneficiary on his death with some general conditions.
• You can easily transfer money from anywhere in the country.
• Through the Pradhan Mantri Jan Dhan Yojana, the citizens who are taking benefits of the government scheme will be able to transfer the amount received from the schemes to their bank account.
• Under this scheme, after satisfactory operation of your bank account for 6 months to the citizens, you will be provided the facility of overdraft of 10 thousand rupees.
• Beneficiaries will be able to access pension and insurance products through this scheme.
• Under this scheme, the facility of overdraft up to Rs 5,000 will be provided for the woman of a family in only one bank account.

Required eligibility for the scheme (Terms and Conditions of PM Jan Dhan Yojana)

• To open an account under this scheme, the applicant should be above 18 years of age.
• through this scheme
• Such persons whose age is less than 18 years will not be considered eligible for this scheme.
• PMJDY overdraft facility will not be given to KCC/GCC borrower.

Documents required to open an account in Pradhan Mantri Jan-Dhan Yojana

• Aadhar card
• If the address has changed then in this case the proof of the present address should be there.
• If you do not have Aadhar card, you will need the following officially valid documents – Driving License, PAN Card, Voter ID Card, Passport and NREGA Card etc.
• If your address / address is available in the above documents, then these documents will work equally for both your identity card and address proof.
• Citizens who do not have the above mentioned government documents but have been included in the ‘low risk’ category by the bank, can open their bank account by submitting any one of the following documents –
  1. Photo Identity Card of the applicant issued by Central and State Government Departments or Statutory/ Regulatory Authorities, or Scheduled Commercial Banks.
  2. Form issued by gazette officer with attested photograph of the citizen.

How to open your bank account in PMJDY for free

your bank account PMJDY For this you will be able to open online easily, for this you have to follow the process given below –

• First of all you have to visit the official website of Bank of Baroda. bankofbaroda.in Must visit.
• As soon as you visit, the home page of the website opens in front of you, where you have to click on personal in the menu bar and then click on the general section.
• As soon as you click on general, just below it you will find accounts You will get the option, you have to click on it.
• as soon as you accounts You will have a section of view all on its drop down menu.
• On the section of view all you will find Pradhan Mantri Jan Dhan Yojana account To see the link of Degap, click on it.
• As soon as you click on it a new page will open in front of you. On this page, you have to click on the apply now button in front of the Pradhan Mantri Jan Dhan Yojana.
• As you click on the Apply Now button, a new page opens in front of you.
• The application form will open on this new page where you will have to fill your Select Name, Email ID, Mobile Number, State, City, Your Branch To do.
• As soon as you have entered all the information you will The code given in the box of verification code has to be filled correctly.
• As soon as you fill the verification code, you have to tick the check box given below and after that submit Have to click on the button.
• As soon as you submit your application form, you will get the message of successful application on your screen.
• In this way you will be able to apply to open Pradhan Mantri Jan Dhan account online.

Pradhan Mantri Jan Dhan account online opening

You will be able to solve any kind of problem in opening an account under PMJDY by calling the given toll free number according to your state –

STATE	TOLL FREE NO
Assam	1800 345 3756
Arunachal Pradesh	1800-345-3616
Maharashtra	1800-102-2636
Andhra Pradesh	1800-425-8525
Andaman and Nicobar Islands	1800-345-4545
Chandigarh	1800-180-1111
Gujarat	1800-253-1000
Bihar	1800-345-6195
Haryana	1800-180-1111
Chhattisgarh	1800-253-4358
Dadra and Nagar Haveli	1800-253-1000
Daman and Diu	1800-253-1000
National Capital Territory of Delhi	1800-1800-124
Goa	0832-241-6666
Jharkhand	1800-345-6576
Lakshadweep	1800-4259-7777
Himachal Pradesh	1800-180-8053
Kerala	1800-425-11222
Karnataka	1800-4259-7777
Madhya Pradesh	1800-253-4035

State Wise Toll Free Number (PMJDY Account opening toll free number)

Nagaland	1800-345-3708
Manipur	1800-345-3858
Meghalaya	1800-345-3658
Mizoram	1800-345-3660
Punjab	1800-180-1111
Odisha(Orissa)	1800-345-6551
Puducherry	1800-425-4415
Tamil Nadu	1800-425-4415
Rajasthan	1800-180-6546
Sikkim	1800-345-3256
West Bengal	1800-345-3343
Telangana	1800-425-8933
Uttarakhand	1800-180-4167
Uttar Pradesh	1800-225-344/1800-102-4455
Tripura	1800-345-3343

Important Links

How to open your bank account for free? Some important questions and answers related to Pradhan Mantri Jan Dhan Yojana –

What is the official website of Pradhan Mantri Jan Dhan Yojana?

Official website of PMJDY pmjdy.gov.in Is.

Who will get the benefit of PMJDY?

The benefit of PMJDY will be given to the citizens of the country. Through this scheme you can open your account with zero balance.

How much accident insurance cover is given in pm jandhan yojana?

On opening your account under Pradhan Mantri Jan Dhan Yojana, you are given an insurance cover of up to Rs 1 lakh.

By whom was this Pradhan Mantri Jan Dhan Yojana launched?

Pradhan Mantri Jan Dhan Yojana was launched by the Prime Minister of the country, Shri Narendra Modi.

What is the full form of PMJDY?

The full name of PMJDY is Pradhan Mantri Jan Dhan Yojana.

When was PMJDY announced?

PMJDY i.e. Pradhan Mantri Jan Dhan Yojana was announced by Modi ji on 15 August 2014.

How many PMJDY is there in the country till now?

in India so far 5.4 crore There are more than one PMJDY account holder.

In which year Pradhan Mantri Jan Dhan Yojana was launched all over the country?

PMJDY was launched on 28 August 2014 across the country.

Where can I open my bank account under Pradhan Mantri Jan Dhan Yojana?

You can open your bank account under PMJDY in any bank branch or Bank Mitra outlet.

Can I open my account under PM Jan Dhan Yojana with zero balance?

Yes ! You can open your bank account under PM Jan Dhan Yojana with zero balance.